No more mortgage?

Darrin La Vine was months away from losing his home to foreclosure when a relative told him about a plan that could erase his mortgage and give him the house free and clear. It changed his life and many others as well.

ALL RIGHT, WHAT IF YOU COULD OWN YOUR HOME FR FREE AND CLEAR EVEN IF YOU STILL TECHNICALLY OWE THOUSANDS ON YOUR MORTGAGE. LOCAL MAN IS OFFERING JUST THAT. SOUNDS TOO GOOD TO BE TRUE, DOESN'T IT? QUESTION IS, IS IT? IS IT WORTH TAKING A LOOK AT. MIKE HOLFELD SAT DOWN WITH THE MAN BEHIND THIS WHOLE PLAN, SO, MIKE, TELL US WHAT YOU FOUND OUT. I WAS SKEPTICAL. I DON'T BELIEVE IT. I WAS WITH YOU GUYS. THE PLAN IS BASED ON THE LAW ANDLY WHAT LIKE TO CALL THE MILLION DOLLAR QUESTION. WHO HOLDS YOUR NOTE? MANY OF US HAVE HAD OUR MORTGAGE PASSED FROM LENDER TO LENDER, RIGHT? THE PRIVATE ASSOCIATION WE'RE INVESTIGATING HAS 800 MEMBERS, ALL BETTING THEIR CURRENT LENDER CAN'T PRODUCE THE NOTE. BUT I HAVE TO TELL YOU, WE HAVE TO FOUND IT CAN BE FRUSTRATING. BY THE NEXT SUMMER, THE HOUSE WAS SUPPOSED TO BE OURS. THAT WAS NOVEMBER OF 2011. ROBERT AND SANDRA DANE THOUGHT THEY HAD FOUND AN ESCAPE CLAUSE TO FINANCIAL FREEDOM. OH, YEAH, WE STOPPED PAYING OUR MORTGAGE. THEY MAKE IT SOUND LIKE WE CAN DO THIS. IT ALL STARTED WITH TITANS QUEST INCORPORATED. THEN TITANS RESERVE GROUP PMA. PRIVATE, MEMBERS ONLY ASSOCIATION WITH OFFICES IN TEXAS AND HERE IN LONGWOOD, FLORIDA. THEY ALL SAY MORTGAGE FRAUD AT THE TOP OF THEM. THE DOCUMENTS WERE PART OF A PLAN TO ERASE THEIR MORTGAGE OBLIGATION BY SEEKING A QUIET TITLE. THE CATCH, THE MEMBERSHIP DOESN'T REPRESENT OR DEFEND THE LEGAL RIGHTS OF ANY MEMBER. THEY SIMPLY GUIDE YOU STEP BY STEP. BUT DID IT SEEM PLAUSIBLE? THEY MAKE IT SOUND LIKE IT IS. YOU CAN'T GUARANTY AN OUTCOME. WE ARE WINNING. TRUST ME, WE'RE WINNING. WE PAID A CALL ON THE MAN BEHIND THE PROMISE, FOUNDER DARREN LAVINE. OWN YOUR HOME FREE AND CLEAR ON HIS BUSINESS CARD. IT COULD GO SIX MONTHS, NINE MONTHS, YEAR. I CAN'T CONTROL THE COURT SYSTEM. LAVINE ADMITS THE PROCESS IS FRUSTRATING. BUT IN 2010, DID HE IT. NOW THIS FORMER COMMERCIAL ROOFING CONTRACTOR HAS 800 MEMBERS, 70 HE CLAIMS ARE ALREADY LIVING FREE AND CLEAR. BUT AREN'T YOU CHEATING SOMEBODY OUT OF MONEY? WHO? THAT'S ALL WE ASK, TO WHOM DO WE OWE AND HOW MUCH. THOSE TWO QUESTIONS HAVE CONVINCED COURTS ACROSS CENTRAL FLORIDA TO ISSUE QUIET TITLES. THE BANKS COULDN'T PRODUCE THE ORIGINAL NOTES. SO NOW AS I SPEAK TO YOU TODAY, YOU'RE IN THAT HOUSE FREE AND CLEAR? I AM. PAT BARRETT OF APOPKA IS PROOF. HE TOOK ON BANK OF AMERICA. HIS QUIET TITLE WAS ISSUED MARCH 2013. DID THE BANK SHOW THAT YOU OWE THEM THE MONEY? NO. I'M NOT GOING TO SAY THAT IT CAN'T HAPPEN EVER BUT THE ODDS ARE ASTRO ASTRONOMICALLY SMALL. A DEFENSE ATTORNEY, SAYING IN HER VIEW THE COMPANY IS PLAYING A LONG SHOT AT THE HOMEOWNER'S EXPENSE. THE PRO PROBLEM WITH THIS IS THEY ARE MASS MARKETING IT TO AN AUDIENCE THAT IT MAY NOT APPLY TO. WHAT HAPPENS IF BANK OF AMERICA SAYS, YEP, YOU OWE US, HERE'S THE PAPER. FIGHT OVER? YEAH. IF THEY HAVE THE PAPER. HAS THAT HAPPENED? NOPE. REMEMBER THAT'S THE KEY TO THE PLAN. IF YOUR LENDER CAN'T PRODUCE THE ORIGINAL NOTE, YOU CAN PURSUE A QUIET TITLE. LAVINE SAYS HE NEEDS ABOUT 35 MINUTES TO SHOW YOU HOW IT WORKS. I WAS PORTIONS OF HIS PRESENTATION ON CLICKORLANDO.COM SO YOU CAN HEAR IT FOR YOURSELF. THIS IS REALLY INCREDIBLE TO THINK THAT YOU CAN STOP PAYING YOUR MORTGAGE. LET'S SAY YOU DO GET THAT TITLE. CAN YOU THEN SELL YOUR HOUSE AND IS YOUR CREDIT AFFECTED BY THIS IN ANY WAY? I WAS EXPLAINING THIS TO MY WIFE. SHE SAID THE SAME THING. ONCE THE COURT ISSUES THE TITLE, LADIES AND GENTLEMEN, THE HOUSE IS YOURS. IF YOU STOP PAYING THE MORTGAGE BEFORE THE PROCESS, THOUGH, BEFORE IT'S COMPLETE, THAT WILL IMPACT YOUR CREDIT. OTHERWISE, NO. THE BIGGEST TAKE-AWAY FROM THIS, BE PATIENT. IT WON'T HAPPEN OVERNIGHT AND IT CAN BE FRUSTRATING. IT'S NOT GOING TO WORK FOR EVERYONE. BUT FOR A LOT OF PEOPLE RIGHT NOW, IT IS.

Comments

The views expressed are not those of clickorlando.com, WKMG or its affiliated companies. This is a community moderated forum (Please note the 'Flag' button). By posting your comments you agree to accept our Terms Of service